"On Your Mind” Insurance Plan

Benefit term: Whole lifePublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Death benefit is subject to the policy terms. / Guaranteed cash value follows the policy schedule. / Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

The specified premium waiver is capped at USD100,000 per insured across policies of the same basic plan, subject to its eligibility and payment-end-date rules.Public source · Checked: 13 Oct 2026

Premium payment terms: 6 years / 12 years / 20 years / 25 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Guaranteed / non-guaranteed components: Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

Dividend / bonus types: Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

The plan combines guaranteed cash value with non-guaranteed reversionary and terminal bonuses.Public source · Checked: 13 Oct 2026

Illness-related events under the specified Waiver of Premium Benefit have a two-year waiting period. Accident-related events use the immediate-effect rule stated in that benefit.Public source · Checked: 13 Oct 2026

Suicide within one year of the later of policy effectiveness or last reinstatement limits liability to the premium refund specified in the suicide clause.Public source · Checked: 13 Oct 2026

Full surrender has settlement options if the payment reaches the insurer’s designated amount; the owner must select an available settlement option and meet its conditions.Public source · Checked: 13 Oct 2026

The document states a 21-day cooling-off period; cancellation and refund conditions apply.Public source · Checked: 13 Oct 2026

Signed written cancellation within 21 calendar days after delivery of the policy or cooling-off notice, whichever is earlier, entitles the owner to refund of premiums and levy under the stated right.Public source · Checked: 13 Oct 2026

Insurer claims guide · Life / death

Life / death — Steps: Complete claimant / doctor sections, attach evidence, submit in person / via planner.Public source · Checked: 13 Oct 2026

Life / death — Submission channels: In person / planner; review requests: ctflife.csc@ctflife.com.hk or post to Claims Department, 7/F NEO.Public source · Checked: 13 Oct 2026

Life / death — Assessment / payment timing: Result / progress usually within 10 working days; review replies 10–15, subject to evidence / complexity.Public source · Checked: 13 Oct 2026

Life / death — Required documents: Original death certificate, verified IDs, relationship proof, original policy / loss declaration and recent beneficiary address proof.Public source · Checked: 13 Oct 2026

Life / death — Overseas claims / servicing: Outside-HK deaths may need notarised death / relationship proof, local death evidence, residence cancellation and burial records.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026